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COVID-19 UPDATE: We’re open to serve you. In order to keep you and our colleagues safe, our branch hours have been adjusted. Monday – Friday 10am to 6pm, Saturday 10am to 5pm and closed Sunday. |
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COVID-19 UPDATE: We’re open to serve you. In order to keep you and our colleagues safe, our branch hours have been adjusted. Monday – Friday 10am to 6pm, Saturday 10am to 5pm and closed Sunday. |
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A Cash 4 You Installment Loan is money you borrow for any kind of personal use such as paying off credit card debt, investing in home improvements, taking a special vacation, or paying for an engagement ring or wedding expenses. To repay the loan, you make regular scheduled payments over time up to 60 months depending on your loan amount. An installment loan gives you the flexibility to make big purchases, and then pay it off at a pace that makes sense for you.
Payday loans are short-term loans that the borrower pays back on their next pay day. Installment loans are typically for higher dollar amounts than payday loans, and are paid back over time.
To be eligible for a Cash 4 You Installment Loan, you must:
With the Cash 4 You Installment Loan, the minimum amount you can borrow is $1,000 and the maximum is $15,000.
You will receive a decision once your loan application is submitted. However, funding of the loan is contingent upon verification of your application information and signature on all loan agreements.
Once your application is complete and verified, if you are approved for a loan, you can receive your cash same day with in-store pickup.
At this time we do not allow co-signers or joint applications for our Installment Loans.
To apply for Cash 4 You Installment Loan, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
Your credit report is not the only variable we consider. We utilize risk assessment tools that verify the accuracy of information on your application and may review customer payment history on similar products.
We are able to consider customers who have been discharged for past bankruptcies.
The Cash 4 You Installment Loan is an unsecured loan. This means that you do not need to provide collateral for the loan.
No. We want to make things simple for our customers, so we have no origination fees, closing costs, costly add-on insurance fees or prepayment penalties.
Cash 4 You Installment Loans have a fixed repayment term. Credit cards often have high variable rates and no set repayment term.
Your regular scheduled payments are automatically withdrawn from your bank account. You can make additional payments at any time at one of our 100+ locations.
Your first installment loan payment will be due on your next pay date
Making a large payment or additional payment on an Installment Loan will not automatically reduce your monthly payment. If you make a large or additional payment, the first part of the payment goes toward any interest accrued. The remainder goes toward the principal balance. Your regular scheduled payment amount will stay the same, but you will be on track to pay your loan off early.
If your loan is in good standing then you may be able to refinance your loan. If you refinance your loan, then the principal amount will be rolled into a new term in which you will continue to be charged daily interest.
Cash 4 You is a leading retailer of financial services, including cheque cashing, payday loans and Western Union services. For over a decade, Cash 4 You has been focusing on serving consumers who seek an alternative to traditional banking relationships to gain convenient and immediate access to cash.
To get a Payday Loan (or Cash Advance) all you need to do is walk into any Cash 4 You store. There are no forms to complete! Our CSR's do all the work! This easy in-store process only takes minutes. Once you're approved, you get the money in hand. On your next payday, your payment is deposited to repay the amount you owe, or you can choose to repay your loan in cash or debit.
All you need is to be employed, make at least $250 per net pay and at least 18 years of age and have an active bank account.
It does not matter if you have bad credit or no credit at all. Our payday loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.
No collateral is necessary or accepted.
No. You will not be charged to apply for the payday loan, whether or not you are approved.
You can borrow up to $1,500. Your first time loan amount will be determined after your approval.
Cash 4 You pays out your cash, instantly! Once you're approved we'll give you cold hard cash on-the-spot!
No. Cash 4 You requires no faxing as a part of the online pre-approval process.
Your payday loan will be due on your next/earliest payday. You will be informed of the due date when your loan is approved. You may also have the option to pay off the loan early without any penalty.
Cash 4 You will deposit your repayment or you can come into our store and pay in cash or debit.
Paying early will not reduce your finance charge or result in any penalty.
Yes! Cash 4 You values your privacy and internet safety. To read more in our privacy policy, click here.
You may have not met the minimum payday loan requirements. If you require additional details, you can e-mail onlineloans@cash4you.ca.
Online applications submitted during business hours are approved within 60 minutes on average.
For your convenience,
If you applied online, you electronically sign your loan documents during the application process.
We currently offer two options for you to repay your loan: cash or debit at any Cash 4 You location or an automated bank withdrawal. You have the option to select your repayment method during your online application.
Visit one of our 100+ locations with a cheque made payable to you or your small business and a valid ID and we would cash it instantly.
We turn thousands of cheques into cash instantly at our 100+ locations. We offer cost-effective option and extended hours to serve you better. No waiting for your cheque to clear through a bank. And no bank account is required to cash your cheque with us.
At Cash 4 You, we cash any cheque for any amount instantly.
At Cash 4 You, we cash most types of cheques including Payroll, Government, Tax Refund, Money Orders, Insurance Settlement, Small Business, and more.
To earn rewards for referring friends to Cash 4 You, users must register for a Cash 4 You.ca account and sign up for the internal Referral Program to generate their unique invite links.
So long as the referred borrower correctly uses their friend’s unique invite link immediately before registration, the referrer will earn a reward automatically after the referred borrower’s first loan has been funded.
All individuals, regardless of whether they are current Cash 4 You borrowers, can sign up for a referral account to refer their friends to Cash 4 You.
If the referred applicant already has a Cash 4 You account or does not use their friend’s unique referral link when first creating their Cash 4 You account, their referring friend will not earn a referral reward.
Referrers will never receive credit for referring themselves or for refinancing their existing Cash 4 You loan. Cash 4 You reserves the right to disqualify anyone from this program at any time.
The Cash 4 You Referral Program only applies to Payday Loan and Installment Loans. All other types of Cash 4 You products are ineligible for the Referral Program.
You may refer friends, family members, coworkers, and direct acquaintances. Only brand new Cash 4 You customers are eligible for a welcome bonus under our referral program.
Send your friend your unique invite link before they first register for their Cash 4 You account and create an application. Your friend should use your invite link just prior to registering for their Cash 4 You account and starting the application process.
Please note that only brand new applicants for Cash 4 You payday loan or installment loan are eligible to generate a referral reward for you.
For privacy reasons, we cannot disclose the names or contact information of people who have used your unique referral link, but your referral account dashboard at cash4you.ca/b/ will allow you to see the number of people who have used your link correctly to register.
Referral rewards come from Cash 4 You through Interac email transfer. You will receive notification about a payment after your referred friend’s loan has been funded and your referral reward is sent.
After your referred friend’s loan has been funded, you’ll receive an email about the referral reward. Those rewards will come through Interac email transfer.
After a loan is funded, it takes up to 30 days to approve and fund referral rewards.
Reasons for this may vary. Possible reasons include:
Have your friend email refer@cash4you.ca from the email address they used in their Cash 4 You application with the following information to see if you may still be eligible:
Borrow upto $15,000 hassle-free.
We have Money Solutions for all credit types.
Visit one of our 100+ stores open late to serve you.
No pre-payment penalties or costly add on products. What you see is what you get.
Get a loan started in minutes online or in person at 100+ stores.
Providing money solutions to Canadians for nearly two decades.
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